I file Chapter 7 Bankruptcies on behalf of individuals frequently.  First, the individual or married couple must qualify for a Chapter 7 Bankruptcy by having family income below a certain amount.  We will also evaluate their assets to determine if a Chapter 7 Bankruptcy would make sense.  The process of a Chapter 7 Bankruptcy typically takes about 5 to 6 months.  There are typically no payments on debt made in a Chapter 7 Bankruptcy.  I would be happy to speak to you on the phone to determine if a Chapter 7 Bankruptcy might be available and beneficial to you.